20895 ZIP Code — Kensington, MD

Montgomery County, Maryland

ZIP code 20895 is located in Kensington, Maryland, within Montgomery County. It covers approximately 4.07 square miles and serves a population of 19,273 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 301/240.

About ZIP code 20895

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1950s, giving the area an established character. Median home value is $725,100. Owner-occupancy is high at 82%, well above the national average.

The gap between median ($165,423) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 4% is below the national average.

The dominant occupation class is management, business, and professional, with professional and management as the leading industry. The average commute of 30 minutes is near the national average. Remote work is prevalent — 27% of workers work from home.

Educational attainment is high — 76% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 20895 reflects a community defined by a highly educated population, high homeownership, and a high rate of remote workers.

19,273

population

4.07

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

20895 ZIP code map

Cities in ZIP code 20895

Below are the cities the US Postal Service accepts for ZIP code 20895. Using any city not on this list may result in mail delivery delays.

City	Status
Kensington	Acceptable
Kensington	Preferred

Nearby ZIP codes

20814 Bethesda (1.9 mi) 20902 Silver Spring (2.2 mi) 20892 Bethesda (2.2 mi) 20852 Rockville (2.9 mi) 20910 Silver Spring (2.9 mi) 20815 Chevy Chase (2.9 mi) 20889 Bethesda (3.3 mi) 20894 Bethesda (3.3 mi) 20811 Bethesda (3.4 mi) 20810 Bethesda (3.4 mi) 20511 Washington (3.6 mi) 20997 Silver Spring (3.7 mi)

Demographics updated 06/2026

Population
Total population	19,273
Population density	4,735 / sq mi
State FIPS	24
County FIPS	031

Geography
Land area	4.07 sq mi
Water area	0.03 sq mi
Latitude	39.0267
Longitude	-77.0810
Timezone	Eastern (ET)
Area code	301/240

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	15.0%	20.6%	28.2%
$50k – $100k	18.8%	24.2%	28.2%
$100k – $200k	31.0%	31.9%	30.1%
Over $200k	35.2%	23.3%	13.4%

Demographics & statistics

19,273

Population

4,735

People per sq mi

42.1

Median age

$165,423

Median household income

$81,003

Per capita income

$725,100

Median home value

$2,054

Median monthly rent

81.6%

Home ownership

3.9%

Poverty rate

2.5%

Unemployment

6,202

Housing units

75.6%

Bachelor's or higher

Age distribution

Male Female

559

Under 5

597

775

5–9

829

667

10–14

713

558

15–19

597

383

20–24

409

773

25–34

826

1,404

35–44

1,502

1,368

45–54

1,463

594

55–59

636

593

60–64

634

879

65–74

941

467

75–84

499

293

85+

314

← Male

Female →

Age summary

Group	Count	%
Under 18	5,055	26.2%
18 and over	14,218	73.8%
65 and over	3,393	17.6%
Median age	42.1 years

Race & ethnicity

White 64.6%

Two or more races 10.3%

Hispanic or Latino 10.1%

Asian 5.3%

Black or African American 4.6%

Other race 4.1%

American Indian / Alaska Native 0.7%

Native Hawaiian / Pacific Islander 0.2%

Group	Count	%
White	13,859	64.6%
Two or more races	2,212	10.3%
Hispanic or Latino	2,170	10.1%
Asian	1,135	5.3%
Black or African American	988	4.6%
Other race	870	4.1%
American Indian / Alaska Native	157	0.7%
Native Hawaiian / Pacific Islander	52	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	15.0%	20.6%	28.2%
$50k – $100k	18.8%	24.2%	28.2%
$100k – $200k	31.0%	31.9%	30.1%
Over $200k	35.2%	23.3%	13.4%

Under $10k 2.6%

$10k–$15k 1.9%

$15k–$25k 3.0%

$25k–$35k 3.3%

$35k–$50k 3.8%

$50k–$75k 10.2%

$75k–$100k 6.7%

$100k–$150k 14.3%

$150k–$200k 12.1%

$200k+ 42.1%

Range	% of households
Under $10k	2.6%
$10k–$15k	1.9%
$15k–$25k	3.0%
$25k–$35k	3.3%
$35k–$50k	3.8%
$50k–$75k	10.2%
$75k–$100k	6.7%
$100k–$150k	14.3%
$150k–$200k	12.1%
$200k+	42.1%
Median income	$165,423

Housing

Home values

Under $50k 0.9%

$50k–$100k 0.6%

$100k–$150k 0.8%

$150k–$200k 0.8%

$200k–$300k 3.1%

$300k–$500k 12.5%

$500k–$1M 59.6%

$1M+ 21.8%

Housing overview

Metric	Value
Median home value	$725,100
Median rent / month	$2,054
Owner occupied	81.6%
Renter occupied	18.4%
Vacant	4.9%
Single-family detached	80.1%
Large apartment buildings	10.0%
Mobile homes	0.0%
Median rooms	7.5
Avg household size (owned)	2.80

Year built

Era	%
2020 or later	0.3%
2010–2019	3.2%
2000–2009	2.9%
1990–1999	1.6%
1980–1989	4.6%
1970–1979	8.6%
1960–1969	14.6%
1950–1959	43.8%
1940–1949	13.1%
1939 or earlier	7.3%

Bedrooms

Size	% of units
No bedroom (studio)	2.1%
1 bedroom	6.3%
2 bedrooms	11.1%
3 bedrooms	35.5%
4 bedrooms	30.5%
5+ bedrooms	14.5%

Vehicles per household

Vehicles	% of households
No vehicle	4.8%
1 vehicle	31.7%
2 vehicles	46.6%
3 or more	16.9%

Heating fuel

Fuel type	%
Utility gas	75.8%
Electricity	22.0%
Propane / LP gas	1.2%
Fuel oil	0.5%
Solar	0.3%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	4,287	60.0%
Cohabiting couple	208	2.9%
Male householder, no spouse	967	13.5%
Female householder, no spouse	1,684	23.6%
Households with children under 18	2,581	36.1%
Households with seniors (65+)	2,338	32.7%
Average household size	2.65

Marital status

Status	Male	Female
Never married	25.3%	25.0%
Married	64.1%	57.0%
Separated	0.8%	1.5%
Widowed	2.8%	7.9%
Divorced	7.0%	8.6%

Education

Less than 9th grade 0.9%

Some HS, no diploma 1.7%

HS graduate 10.1%

Some college, no degree 8.0%

Associate's degree 3.7%

Bachelor's degree 32.2%

Graduate / professional 43.4%

Metric	%
HS diploma or higher	97.4%
Bachelor's or higher	75.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	444	8.6%
Kindergarten	359	7.0%
Elementary school	2,253	43.8%
High school	1,067	20.7%
College / grad school	1,024	19.9%

Employment

Industry of employment

Professional & management 23.1%

Education & healthcare 19.9%

Public administration 15.2%

Finance & real estate 7.6%

Retail trade 7.2%

Arts, food & hospitality 7.1%

Other services 6.7%

Construction 4.5%

Information 4.0%

Manufacturing 3.0%

Transportation & utilities 0.9%

Wholesale trade 0.8%

Occupation

Category	%
Management, business & arts	72.2%
Service	8.5%
Sales & office	13.9%
Natural resources & construction	2.7%
Production & transportation	2.7%

Employment type

Type	%
Private sector	70.5%
Government	23.8%
Self-employed	5.5%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	56.5%
Carpool	4.7%
Public transit	8.5%
Walk	0.9%
Work from home	26.6%
Other means	2.8%
Avg commute (minutes)	30.4

Poverty

All people 3.9%

Under 18 years 2.0%

18 and over 4.6%

Married-couple families 1.4%

Female-led households 8.1%

Income support

Source	% of households
Social Security	27.1%
Retirement income	23.5%
Supplemental Security	1.4%
Cash public assistance	0.6%
Food stamps / SNAP	3.2%

Health indicators

Condition	%
Obesity	19.9%
High blood pressure	27.7%
High cholesterol	34.9%
Diabetes	7.3%
Heart disease	4.9%
Stroke	2.2%
Asthma	7.8%
Arthritis	19.9%
Kidney disease	2.4%
Pulmonary disease	3.8%
Cancer	7.2%

Behavior / access	%
Smoking	7.3%
Binge drinking	13.0%
No physical activity	13.6%
Less than 7 hrs sleep	26.8%
Depression	15.7%
Fair or poor health	7.5%
Poor mental health	10.2%
Poor physical health	5.9%
No health insurance	8.1%
Visited doctor (checkup)	73.9%
Visited dentist	75.8%
Cholesterol screening	94.9%
Teeth loss	4.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	739	5.2%

Disability	%
Any disability	8.8%
Under 18	3.0%
18–64 years	5.4%
65 and over	29.6%

Health insurance coverage

Type	%
Private insurance	91.4%
Public insurance	20.5%
No insurance	1.8%
Uninsured under 19	0.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	18,117	94.0%
Spanish	1,235	6.8%
Other Indo-European	641	3.5%
Asian & Pacific Islander	199	1.1%
Other languages	332	1.8%

Place of birth & citizenship

Origin	Count	%
Native born (US)	16,191	84.0%
Born in same state	15,752	81.7%
Born in different state	4,750	24.6%
Foreign born	439	2.3%
Naturalized citizen	3,082	16.0%
Not a US citizen	2,068	67.1%

Ancestry

Ancestry	Count	%
Italian	3,483	18.1%
French	2,536	13.2%
Arab	611	3.2%
Polish	266	1.4%
Norwegian	199	1%

Ancestry	Count	%
English	196	1%
German	72	0.4%
Irish	64	0.3%
Dutch	64	0.3%

Technology access

Metric	% of households
Computer access	37.1%
Internet access	96.7%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 20895

What city is ZIP code 20895 in?

ZIP code 20895 is primarily assigned to Kensington, Maryland.

What county is ZIP code 20895 in?

ZIP code 20895 falls within Montgomery County, Maryland.

How educated is the population of ZIP code 20895?

76% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Is ZIP code 20895 mostly owner-occupied?

82% of occupied units in ZIP code 20895 are owner-occupied, well above the national average.

What is the median household income in ZIP code 20895?

The median household income in ZIP code 20895 is $165,423, above the national median of ~$75,000.

What is the typical home value in ZIP code 20895?

The median home value in ZIP code 20895 is $725,100.

What timezone is ZIP code 20895 in?

ZIP code 20895 observes the EST timezone.